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First State Bank of Burnet

$100M-$1B Specialty: Commercial TX FDIC cert 11557

Burnet, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First State Bank of Burnet has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 14.99% above tier average
  • + ROA 0.20% above tier average
  • + Efficiency Ratio 9.20% below tier average
  • + Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.20% below tier average
Get updates when First State Bank of Burnet releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $331.0M
+1.6% YoY +2.6% QoQ
-$55.1M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
51%
Total Loans ? $184.0M
+28.7% YoY +3.2% QoQ
-$71.7M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
45%
Total Deposits ? $295.3M
-0.2% YoY +4.6% QoQ
-$32.7M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
54%
Return on Assets ? 1.47%
+32.0% YoY +0.6% QoQ
+0.20% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
66%
Net Interest Margin ? 3.73%
+12.4% YoY +4.1% QoQ
-0.20% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
42%
Efficiency Ratio ? 56.09%
-16.4% YoY -6.6% QoQ
-9.20% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
71%
Delinquency Rate ? 0.00%
-64.7% YoY -3.1% QoQ
-0.88% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
Top 12.2% in tier
Loan-to-Deposit Ratio ? 62.31%
+28.9% YoY -1.3% QoQ
-14.32% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
78%
Non-Interest-Bearing Deposit Share ? 37.01%
-9.1% YoY -3.0% QoQ
+14.99% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
Top 7.7% in tier
Nonperforming Asset Ratio ? 0.00%
-55.3% YoY -2.5% QoQ
-0.64% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
Top 11.4% in tier
Tier 1 Capital Ratio ? 12.47%
+1.1% YoY +1.4% QoQ
-3.36% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.06%
+2.2% YoY -75.1% QoQ
-0.22% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
24%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

206
Non-Interest-Bearing Deposit Share
funding
Value: 37.01%
Peer Median: 22.02%
#206 of 2664 Top 7.7% in $100M-$1B
306
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#306 of 2664 Top 11.4% in $100M-$1B
326
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#326 of 2654 Top 12.2% in $100M-$1B
579
Loan-to-Deposit Ratio
liquidity
Value: 62.31%
Peer Median: 76.64%
#579 of 2664 Top 21.7% in $100M-$1B

Top Weaknesses (1 metrics)

2036
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.28%
#2036 of 2664 Bottom 23.6% in $100M-$1B
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